LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,753
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,488
−HK$1,762/mo
Today · 4.125%
HK$59,250
baseline
▲ 0.50% · 4.625%
HK$62,855
+HK$3,605/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$118,500/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,039,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,025
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,688
−HK$1,688/mo
Today · 4.125%
HK$65,376
baseline
▲ 0.50% · 4.625%
HK$68,822
+HK$3,446/mo
Deposit HK$12.23M · loan HK$12.23M · min. income ≈ HK$130,752/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,039,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,904
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,985
−HK$2,114/mo
Today · 4.125%
HK$71,099
baseline
▲ 0.50% · 4.625%
HK$75,426
+HK$4,327/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$142,198/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,430
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,426
−HK$2,025/mo
Today · 4.125%
HK$78,451
baseline
▲ 0.50% · 4.625%
HK$82,587
+HK$4,136/mo
Deposit HK$9.78M · loan HK$14.67M · min. income ≈ HK$156,902/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,039,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,055
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,483
−HK$2,466/mo
Today · 4.125%
HK$82,949
baseline
▲ 0.50% · 4.625%
HK$87,997
+HK$5,048/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$165,898/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,039,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,835
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,164
−HK$2,362/mo
Today · 4.125%
HK$91,526
baseline
▲ 0.50% · 4.625%
HK$96,351
+HK$4,825/mo
Deposit HK$7.34M · loan HK$17.12M · min. income ≈ HK$183,052/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,039,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,356
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$103,478
−HK$3,171/mo
Today · 4.125%
HK$106,649
baseline
▲ 0.50% · 4.625%
HK$113,139
+HK$6,490/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$213,298/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,645
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$114,639
−HK$3,038/mo
Today · 4.125%
HK$117,677
baseline
▲ 0.50% · 4.625%
HK$123,880
+HK$6,203/mo
Deposit HK$2.45M · loan HK$22.01M · min. income ≈ HK$235,354/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,039,145 · Scale 2, in force from 26 Feb 2026)